A Commercial Auto Liability Policy covers an organization for amounts it must pay as damages because of bodily injury or property damage, to which the insurance applies, caused by an accident resulting from the ownership or use of a covered vehicle.

Hired and Non-owned liability protects organizations, and sometimes individual drivers, against allegations involving liability or property damage related to an automobile accident concerning an auto not owned by the organization but driven, at the direction of the organization, by a representative of the organization.